Dividend rate will be 1.5% to 2.0% above Prime/Regular Savings Rate and is fixed for the term. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Dividends are compounded monthly and will be credited monthly. Minimum term six months; maximum term 36 months. Deposits may not exceed an aggregate of $500 per member per month in all planned savings accounts (includes the total of initial and/or monthly deposits).

Kasasa Cash/Cash Back rewards will be credited to your Kasasa Saver account on the last day of the monthly statement cycle. If qualifications in Kasasa Cash/Cash Back are met each monthly qualification cycle:(1) balances up to $5,000 in Kasasa Saver receive an APY of 1.25%; and (2) balances over $5,000 in Kasasa Saver earn 0.03% interest rate on the portion of the balance over $5,000, resulting in 1.25% - 0.03% APY depending on the balance. If qualifications are not met on Kasasa Cash/Cash Back, all balances in the Kasasa Saver earn 0.03% APY. Limit one account per SSN. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.
**APY Range of 1.25%-0.09% depends on balance maintained, assuming a maximum $100,000 in 2nd tier

Dividends are compounded and credited monthly. Accrued dividends will not be paid to any account closed prior to the end of the period. $5.00 annual maintenance fee. (Excluding Prime Advantage Club Members). IRA Certificates available – see certificate terms and conditions. Qualifying Credit Union IRA accounts are insured up to $500,000 ($250,000 through NCUA and $250,000 through Excess Share Insurance). Deposit and/or withdrawal restrictions may apply. Check with your tax advisor for specific IRS rules and tax deductibility on your IRA.

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TwinStar Credit Union is a community credit union serving all of Washington state and the Portland, Oregon metropolitan area (Multnomah, Washington, Clackamas and Marion counties), with locations in Vancouver, Aberdeen, Hoquiam, Ocean Shores, Centralia, Chehalis, Onalaska, Morton, Parkland, Tacoma, Lacey, Olympia, Tumwater, Yelm in Washington, and Portland and Wilsonville in Oregon. If you live or work in any of these areas you can join.

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